Amazing news!
Posted 05-23-2012 at 06:37 PM by txtqueen
So this morning I wake up and TG's sister is in the room and telling him a friend of hers wants to talk to him about a job, it was super early and he almost tried to get her friend to talk later but he eventually got up and talked on the phone.
He comes back down and tells me to get up and get ready cause he's got a job interview today, we get ready, he runs around for about 20 minutes in his boxers because he can't find his nice jeans (the friend said jeans were fine for the interview), I eventually found them in a box he already looked through
We set out for the interview all the way in like north denver, he goes in 30 minutes later comes out with paperwork and he starts tomorrow. Making 13/hr, fulltime and close to home.
We did the math and with both our incomes we'll have like 2800 a month, combined.
That means, $730 for (rent/utilities/cable/internet all bundled together)
About $650 for other bills and groceries and such.
So after all that we have 1418 left over for savings and fun stuff.
Pretty ballin' right there.
So we have a new place, he has a new job and we have a new life we are starting.
TG said in a month once we have a good chunk saved up and our finances even out that he wants to take me to the nicest restaurant downtown denver and celebrate our successes. Get all dressed up and have an amazing dinner, our one little treat.
We're currently starting to save for our own king sized bed set, since what we have now is a mix of a king sized fitted sheet that isn't quite deep enough in the pockets to fit on all the way (the dog ate the fitted sheet his parents gave us the second night), the flat sheet his parents gave us, a mix of queen and double blankets and comforters and a bunch of mismatching pillow cases.
The dog: The dog isn't a bad dog before anyone assumes anything. He has anxiety issues and TG left him home alone, shut in the room because he still doesn't have tags with his name and our numbers and the microchip still needs to be switched over to TG's name. There is a doggy door and TG is afraid he'll get out of the fenced in area somehow and we're getting the tags and microchip taken care of tomorrow.
Then we're saving up for camping equipment, which we'll get little by little.
We're so excited for everything.
I told him if his new job doesn't offer health insurance, then I could put him on mine, not knowing that in order to do that the person either has to be your spouse or child. He cracked a joke about going to the court house to get married. Of course he wouldn't marry me just to get health insurance but hopefully marriage is in the near future like a year from now maybe.
I can't wait for everything to start falling into place.
He comes back down and tells me to get up and get ready cause he's got a job interview today, we get ready, he runs around for about 20 minutes in his boxers because he can't find his nice jeans (the friend said jeans were fine for the interview), I eventually found them in a box he already looked through
We set out for the interview all the way in like north denver, he goes in 30 minutes later comes out with paperwork and he starts tomorrow. Making 13/hr, fulltime and close to home.
We did the math and with both our incomes we'll have like 2800 a month, combined.
That means, $730 for (rent/utilities/cable/internet all bundled together)
About $650 for other bills and groceries and such.
So after all that we have 1418 left over for savings and fun stuff.
Pretty ballin' right there.
So we have a new place, he has a new job and we have a new life we are starting.
TG said in a month once we have a good chunk saved up and our finances even out that he wants to take me to the nicest restaurant downtown denver and celebrate our successes. Get all dressed up and have an amazing dinner, our one little treat.
We're currently starting to save for our own king sized bed set, since what we have now is a mix of a king sized fitted sheet that isn't quite deep enough in the pockets to fit on all the way (the dog ate the fitted sheet his parents gave us the second night), the flat sheet his parents gave us, a mix of queen and double blankets and comforters and a bunch of mismatching pillow cases.
The dog: The dog isn't a bad dog before anyone assumes anything. He has anxiety issues and TG left him home alone, shut in the room because he still doesn't have tags with his name and our numbers and the microchip still needs to be switched over to TG's name. There is a doggy door and TG is afraid he'll get out of the fenced in area somehow and we're getting the tags and microchip taken care of tomorrow.
Then we're saving up for camping equipment, which we'll get little by little.
We're so excited for everything.
I told him if his new job doesn't offer health insurance, then I could put him on mine, not knowing that in order to do that the person either has to be your spouse or child. He cracked a joke about going to the court house to get married. Of course he wouldn't marry me just to get health insurance but hopefully marriage is in the near future like a year from now maybe.
I can't wait for everything to start falling into place.
Total Comments 28
Comments
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Now you can start paying back Grandma for the car.
AND pay your tickets.
Pretty ballin' right there.Posted 05-25-2012 at 10:23 AM by DewDropInn
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While I'm thinking of it... You might also want to tell the state of CO his income has changed. I know you filled out a lot of paperwork so he could get a public defender on the DUI charge. They might need to know he's making more money. And be sure you let them know about the address change.Posted 05-25-2012 at 10:38 AM by DewDropInn
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I talked to TG about the car payment idea and he agrees but says it won't be for another few months.
He JUST started his new job and won't get a paycheck till the 15th of next month and then we have to wait till we build up savings and we each have full checks coming in every pay period.Posted 05-26-2012 at 10:39 AM by txtqueen
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What does TG have to do with it?
It's your debt, your Grandmother. You should be putting some money aside so you can move out into your own place if necessary. Not shared money, your money.
You'd be completely crazy not to have an exit strategy.Posted 05-26-2012 at 12:32 PM by FinsterRufus 
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That is YOUR car, not his. YOU need to pay your grandma, not TG.Posted 05-26-2012 at 02:24 PM by Kibbiekat
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We've been talking about marriage and kids and my money IS my money and if we ever split I still have my job.Quote:Originally Posted by FinsterRufus
What does TG have to do with it?
It's your debt, your Grandmother. You should be putting some money aside so you can move out into your own place if necessary. Not shared money, your money.
You'd be completely crazy not to have an exit strategy.
And I asked him because he pretty much manages and balances the finances and is teaching me how to as well but I am terrible with money and he is not, hes so much better at saving and budgeting than I am.Posted 05-27-2012 at 08:50 AM by txtqueen
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He's not paying her, I will be paying her but I asked about fitting it into the budget because we have huge plans for the next year, buying camping gear, buying a platform bedframe, just saving money in general.Quote:Originally Posted by Kibbiekat
That is YOUR car, not his. YOU need to pay your grandma, not TG.Posted 05-27-2012 at 08:51 AM by txtqueen
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No, no, no. You put your payment to grandma in the budget, then you see how much you have left over to save for camping gear and a platform bed. Do you have no concept of priorities? No concept that you pay down debt before you buy more stuff? ETA - you don't ask TG if there is room in the budget, you tell him you are paying your grandma back. It is the right thing to do.Quote:Originally Posted by txtqueen
He's not paying her, I will be paying her but I asked about fitting it into the budget because we have huge plans for the next year, buying camping gear, buying a platform bedframe, just saving money in general.
Being completely serious, I recommend you watch Suze Orman on CNBC Saturday evenings. You can learn a lot of basics from her.Posted 05-27-2012 at 03:43 PM by Kibbiekat
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He already said we can put it in the budget and I am doing $100 a month to her but in the mean time we still are going to AT THE SAME TIME, save for a tent and things like that. For my birthday I am asking for an IKEA gift card so that can help us with buying the platform bedframe.Quote:Originally Posted by Kibbiekat
No, no, no. You put your payment to grandma in the budget, then you see how much you have left over to save for camping gear and a platform bed. Do you have no concept of priorities? No concept that you pay down debt before you buy more stuff? ETA - you don't ask TG if there is room in the budget, you tell him you are paying your grandma back. It is the right thing to do.
Being completely serious, I recommend you watch Suze Orman on CNBC Saturday evenings. You can learn a lot of basics from her.Posted 05-27-2012 at 05:31 PM by txtqueen
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Yes I know that right there would be 14 years paying it off but the more we save and the more income we have it could be a little more each month whatever, it could be adjusted.Posted 05-27-2012 at 05:36 PM by txtqueen
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I'd rather hear you are paying $100 than nothing. Something is better than nothing.Posted 05-27-2012 at 07:43 PM by Kibbiekat
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And that will start once TG starts getting regular checks.Posted 05-29-2012 at 07:45 PM by txtqueen
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You know, you don't save for unnecessary purchases (camping gear) until debt is paid off. It is common sense. Just throwing it out therePosted 06-02-2012 at 09:55 PM by NEOhioBound
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Uhm do you know how long it would take to pay of 17,000???Quote:Originally Posted by NEOhioBound
You know, you don't save for unnecessary purchases (camping gear) until debt is paid off. It is common sense. Just throwing it out there
I am not waiting years to start buying camping gear.
I can pay her $100-$200 a month and still save a little money for camping gear, his car and stuff for our bed.
People who have car payments don't stop buying other stuff just because they have a car payment. They still save up for other things they want.Posted 06-03-2012 at 08:34 AM by txtqueen
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I don't want to hear how long it takes off to pay 17K. If you do it right, it doesn't take long AT ALL. We managed to pay off over 40K in debt in a year. 17K is nothing
You shouldn't be saving any money for your camping gear because it isn't a necessity! You could pay off your grandmother quicker putting that extra money to her instead of camping gear. She would be paid off quicker and then you snowball whatever money you paid her once car is paid off towards other things- like getting your own place. Why are you thinking about camping gear when you and TG are just renting a room? Your priorities are messed up a bit.Posted 06-03-2012 at 10:00 AM by NEOhioBound
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We're renting from his sister. It's a house. We take care of it too. Its OUR house, we have use of the kitchen and the backyard and the laundry. He mows the lawn, he takes care of the yard. It's like family all living in one house, not like us living with a stranger we're renting a room from.Quote:Originally Posted by NEOhioBound
I don't want to hear how long it takes off to pay 17K. If you do it right, it doesn't take long AT ALL. We managed to pay off over 40K in debt in a year. 17K is nothing
You shouldn't be saving any money for your camping gear because it isn't a necessity! You could pay off your grandmother quicker putting that extra money to her instead of camping gear. She would be paid off quicker and then you snowball whatever money you paid her once car is paid off towards other things- like getting your own place. Why are you thinking about camping gear when you and TG are just renting a room? Your priorities are messed up a bit.
We plan on being there for awhile, this isn't a temporary fix. We plan on being here a year or more and we want to go camping with the family this summer.
And his family goes camping and we go with them. Last time we stayed in a pup tent that was 4ftX6ft and he's 6'2''. We're just getting a tent for now and some small things.
And in order to pay off 17K in a year I would have to pay more than $1,000 a month, that would be dipping into HIS money because I only make 1,300 after taxes, he would be supporting me to pay off this car in a year.Posted 06-03-2012 at 10:32 AM by txtqueen
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Isn't he also using your car? Or at least benefitting from your car? You don't have any trouble helping to support him; why shouldn't the reverse be true?
Put your mattress on the floor or find something cheap on CraigsList. You might also look for used camping equipment. Paying your grandmother back for the car should be your first priority though. 1-200/month isn't but a drop in the bucket on that level of debt. You ought to be figuring out how much you owe then dividing it up over 3 years or so and figuring out the payment. And yes, the rest of us DO put off other things we might want, to pay off debt first. Did you not think that's how life went? I don't understand that. Yes. We all put things off that we cannot afford because paying our current debtload is an obligation. You need to make up for the fact that you have a 2yr old car you've never made payments on. What is going to happen when that car needs to be replaced and you are still paying (or not as the case may be) on it? Then what? You now owe $17K on a car that probably isn't worth $12K. How does that make sense to you?
And even if you are renting from a relative, it's not your house unless your name is on the mortgage/lease.
And where did $17K come from? I thought the car had to be under $15. You've "borrowed" more?Posted 06-03-2012 at 03:14 PM by maciesmom
Updated 06-03-2012 at 03:30 PM by maciesmom -
No. There really wasn't a set budget, I wasn't allowed to get a used car and I couldn't go crazy.Quote:Originally Posted by maciesmom
Isn't he also using your car? Or at least benefitting from your car? You don't have any trouble helping to support him; why shouldn't the reverse be true?
Put your mattress on the floor or find something cheap on CraigsList. You might also look for used camping equipment. Paying your grandmother back for the car should be your first priority though. 1-200/month isn't but a drop in the bucket on that level of debt. You ought to be figuring out how much you owe then dividing it up over 3 years or so and figuring out the payment. And yes, the rest of us DO put off other things we might want, to pay off debt first. Did you not think that's how life went? I don't understand that. Yes. We all put things off that we cannot afford because paying our current debtload is an obligation.
And even if you are renting from a relative, it's not your house unless your name is on the mortgage/lease.
And where did $17K come from? I thought the car had to be under $15. You've "borrowed" more?
Its like 16,600 or so I was just rounding up since I am not sure.
I really can't do more than a 300 payment, with my car it would have been 5 years anyways, cutting that down by two years will make it WAY TOO HIGH a month.
If I pay it off like a normal 5 year thing then it would be $300 a month.
If I pay it off in three years it'll be $500 a month.
Way too high.
And I have been supporting him for like maybe a monthish, vs a year PLUS some of his income.
I'm sure if I payed $300 a month it would be ok but paying anything higher and it's just going to take all of our money.Posted 06-03-2012 at 03:31 PM by txtqueen
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We have box springs we got for free. We need SHEETS. Yes those are essential, the dog ate part of the fitted sheet his parents gave us and the sheet my mom gave me doesn't fit all the way and keeps coming off. Sheets are necessary for a bed, we're not getting anything expensive, just something that FITS.Quote:Originally Posted by maciesmom
Isn't he also using your car? Or at least benefitting from your car? You don't have any trouble helping to support him; why shouldn't the reverse be true?
Put your mattress on the floor or find something cheap on CraigsList. You might also look for used camping equipment. Paying your grandmother back for the car should be your first priority though. 1-200/month isn't but a drop in the bucket on that level of debt. You ought to be figuring out how much you owe then dividing it up over 3 years or so and figuring out the payment. And yes, the rest of us DO put off other things we might want, to pay off debt first. Did you not think that's how life went? I don't understand that. Yes. We all put things off that we cannot afford because paying our current debtload is an obligation. You need to make up for the fact that you have a 2yr old car you've never made payments on. What is going to happen when that car needs to be replaced and you are still paying (or not as the case may be) on it? Then what? You now owe $17K on a car that probably isn't worth $12K. How does that make sense to you?
And even if you are renting from a relative, it's not your house unless your name is on the mortgage/lease.
And where did $17K come from? I thought the car had to be under $15. You've "borrowed" more?
You'd wait YEARS to go on a weekend camping trip because you had a car payment?
You'd wait YEARS to buy a cheap tent because you had a car payment?
The car is paid off, my grandmother is not. If it needs to be replaced we'll deal with it then.Posted 06-03-2012 at 03:34 PM by txtqueen
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I would wait YEARS to purchase a bed if I needed to yes.
You seem to think there is no inbetween sending her $100/month or $1200/month. The $100 frankly gives me the impression you're not serious about repaying. Ever. You're waiting until she dies and you won't have to repay her ever. Or your trust fund or whatever. Yes. That's horrible but that's what it appears. With the fact that you've paid nothing for 2 years and now you have been all over the place bragging about all the money you'll be rolling in, there is no reason to not pay at least $500/month. None.Posted 06-03-2012 at 03:44 PM by maciesmom
